PENGARUH LITERASI KEUANGAN SYARIAH DAN RELIGIUSITAS TERHADAP MINAT MENGGUNAKAN PINJAMAN ONLINE

Authors

  • Muhamad Zulvan Aulia UIN Sultan Maulana Hasanuddin Banten

DOI:

https://doi.org/10.24252/iqtishaduna.v7i3.67456

Abstract

Abstrak

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah dan religiusitas terhadap minat menggunkan pinjaman online pada karyawan PT Padi Indonesia Maju Cabang Serang. Metode yang digunakan adalah kuantitatif dengan analisis regresi berganda, melibatkan 45 responden yang telah bekerja minimal satu tahun dan memiliki penghasilan tetap di atas UMR. Kelompok ini dipilih untuk melihat pengaruh antara literasi keuangan, religiusitas terhadap minat menggunakan pinjaman online. Hasil penelitian menunjukkan bahwa literasi keuangan syariah tidak berpengaruh signifikan terhadap minat menggunakan pinjaman online (nilai t = 0,358 < t-tabel = 2,018; signifikansi = 0,722 > 0,05), sehingga H01 diterima dan H11 ditolak. Begitu pula religiusitas tidak berpengaruh signifikan (nilai t = 0,137 < t-tabel = 2,018; signifikansi = 0,891 > 0,05), maka H02 diterima dan H12 ditolak. Secara simultan, literasi keuangan syariah dan religiusitas juga tidak berpengaruh signifikan (nilai F = 0,107 < F-tabel = 3,22; signifikansi = 0,899 > 0,05), sehingga H0 diterima dan H1 ditolak.

Kata Kunci: Literasi Keuangan Syariah, Religiusitas, Minat Pinjaman Online

 

Abstract

This study analyzes the influence of Islamic financial literacy and religiosity on the interest in using online loans among employees of PT Padi Indonesia Maju, Serang Branch. Using a quantitative method with multiple regression analysis, 45 respondents were selected based on criteria: employed for at least one year and earning a fixed income above the regional minimum wage. This group was chosen to explore the relationship between financial literacy, religiosity, and online loan usage. Results show that Islamic financial literacy does not significantly influence interest in using online loans (t-value = 0.358 < t-table = 2.018; sig. = 0.722 > 0.05), thus H01 is accepted and H11 rejected. Religiosity also shows no significant influence (t-value = 0.137 < t-table = 2.018; sig. = 0.891 > 0.05), leading to the acceptance of H02 and rejection of H12. Simultaneously, Islamic financial literacy and religiosity have no significant joint influence (F-value = 0.107 < F-table = 3.22; sig. = 0.899 > 0.05), thus H0 is accepted and H1 rejected.

Keywords: Islamic Financial Literacy, Religiosity, Interest using online loans

 

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Published

2026-05-08

Issue

Vol. 7 No. 3 (2026): April

Section

Volume 7 Nomor 3 April 2026

License

Copyright (c) 2026 Muhamad Zulvan Aulia

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